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Cheapest Car Insurance in Minnesota (Nov 2024)
Cheapest Car Insurance in Minnesota (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Minnesota.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Minnesota
- Cheapest Minnesota car insurance for good drivers
- Cheapest car insurance companies in Minnesota
- Minnesota Car Insurance Coverage Requirements
- Minnesota Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Minnesota?
- Car Insurance for High-Risk Minnesota
- Car Insurance for Minnesota Drivers With DUI
- Car Insurance for Minnesota Drivers With a Coverage Lapse
- Car Insurance for Minnesota Drivers With a Low Credit Score
- Minnesota Car Insurance Cost by Age
- Minnesota Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Minnesota Insurance Cost by Zip Code
- How to lower the cost of car insurance in Minnesota
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Minnesota
Finding an affordable
car insurance
policy is a great way to minimize your auto-related expenses. However, it's important to note that there isn't a single "cheapest" car insurance provider that suits every driver. To ensure you obtain the best price for personalized coverage, you’ll need to diligently compare auto insurance quotes
from various insurance companies before purchasing a policy.Thankfully, Jerry Insurance Agency offers assistance to Minnesota drivers in navigating their options through a user-friendly
insurance comparison app
. With their support, you can efficiently review and analyze multiple quotes, empowering you to select the best car insurance company for your needs and budget.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Allstate | $228 | Seth, 24 | Mitsubishi Lancer SE | • 50,000/100,000 Liability • Comp / Collision |
Gainsco | $157 | Leah, 23 | Nissan Sentra S | • State Minimum Liability |
| National General | $135 | Frances, 55 | Ford F150 | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $129 | Ann, 29 | Nissan Rogue S | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $115 | Vera, 33 | KIA Sorento | • State Minimum Liability |
Last Updated Nov 10, 2024Cheapest Minnesota car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Minnesota can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Jessica, 25 | 89 | 32% | No |
|
Krystle, 34 | 95 | 37% | No |
|
Tonya, 44 Roseau, MN | 91 | 30% | No |
|
Adam, 54 McGregor, MN | 80 | 23% | No |
|
Ricardo, 64 | 85 | 27% | No |
|
Cheapest car insurance companies in Minnesota
In order to assist you in determining the auto insurance company that provides the most competitive rates in Minnesota, Jerry conducted an extensive insurance shopping survey, which happens to be the largest of its kind in the nation.
Ultimately, there is no single car insurance company that can be considered the best or cheapest for every driver. Instead, insurance rates are highly personalized and vary depending on individual circumstances.
Many Minnesotans will cite State Farm as the cheapest provider in the state, but other drivers are less impressed with the company’s deals.
According to our research findings, North Star Mutual, State Farm, and American Family are among the most affordable car insurance companies in Minnesota.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Bristol West | November 8, 2024 | 5 | "Bristol West provided with best deals among all other auto insurances. & the process was very easy." -Dean |
| Hugo | November 1, 2024 | 3 | "Okay I just started the system try to get different insurance company and I go through and it tells me to download th...(read more)" -Millie |
| Dairyland | October 28, 2024 | 4 | "This company was the cheapest I could find at the time. And they have always been very helpful when I call." -Hester |
| Farmers | October 26, 2024 | 5 | "I had them 4 yrs. I moved out of state of Illinois. I should have keep them." -Emilie |
| AAA | October 25, 2024 | 5 | "I never had any issues with AAA insurance. Always polite, professional and willing to help. " -Flora |
Last Updated Nov 8, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to
shop for car insurance quotes
, try out a car insurance comparison app or website. Jerry is a highly regarded insurance agency that provides a user-friendly app for auto-owners to obtain free quotes and explore various options for their auto insurance coverage.
Additionally, Jerry offers comprehensive assistance throughout the entire process, from helping you register for a new policy to facilitating the cancellation of your old one upon request. With Jerry, you can experience a seamless and convenient insurance service that caters to all your needs.
Minimum car insurance requirements for liability and full coverage in Minnesota
Every single driver in the Land of 10,000 Lakes is legally required to carry a specified amount of liability coverage—but, in most circumstances, we highly recommend adding on additional forms of optional coverage as an added safety net. .
Cheapest minimum liability coverage in Minnesota
Like most U.S. states,
Minnesota car insurance law
requires all drivers to meet all minimum car insurance requirements before hitting the road. This includes the following:- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $40,000
- Uninsured motorist: $25,000 per person and $50,000 per accident
- Underinsured motorist coverage: $25,000 per person and $50,000 per accident
Jerry has helped car drivers in Minnesota who utilized Jerry to secure affordable minimum liability insurance plans.
Do you need more than the minimum liability insurance coverage in Minnesota?
It’s very likely that the best car insurance policy for you includes more than the minimum amounts of liability coverage.
If you are in an at-fault accident, you could be responsible for paying medical bills and vehicle repairs that cost far more than the established 30/60/10 coverage limits, especially if the vehicle is totaled or the driver is severely injured. Thus, raising your coverage level offers better protection.
The bottom line: Invest in 100/300/100 liability coverage for optimal protection—even if you choose to forego full coverage.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Minnesota auto insurance quotes
Full coverage
isn’t legally required in Minnesota, but will provide valuable coverage if you happen to be injured—or your vehicle happens to be damaged—in an at-fault accident. Full coverage includes
comprehensive
and collision coverage
. Collision coverage provides financial assistance for repairing or replacing your vehicle that has been damaged in an accident. On the other hand, comprehensive coverage offers coverage for damages caused by vandalism, environmental factors, and even theft.Keep in mind that your auto loan provider will likely require you to maintain full coverage until your loan is paid off.
We’ve helped our users in Minnesota secure affordable full coverage policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Safeco | $224 | Georgia, 51 Onamia, MN | Dodge Challenger SXT |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $228 | Seth, 24 | Mitsubishi Lancer SE |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $259 | Johanna, 35 | Chevrolet Traverse Premier |
• 250,000/500,000 Liability • Comp / Collision | Nationwide | $178 | Lura, 43 | Chevrolet Silverado K1500 LT |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $174 | Cameron, 39 | Honda Accord EX |
Last Updated Nov 6, 2024Average rates for minimum liability coverage and full coverage car insurance in Minnesota
In Minnesota, the average annual cost of car insurance is $0 for minimum coverage and $0 for full coverage insurance. These figures fall slightly below the national average.
While average insurance rates can give you a rough idea of your insurance expenses, it's important to note that individual drivers' insurance premiums are influenced by multiple factors, such as the type of vehicle, driving record, claims history, and demographic information. The final insurance costs for each driver can therefore vary significantly.
Minnesota car insurance: Additional coverages
Despite what its name might imply, full coverage isn’t the only type of add-on car insurance available. Some other coverage options include:
For individuals who have taken out a loan to purchase a vehicle, we strongly recommend
gap insurance
. Gap insurance provides coverage in situations where the remaining loan amount exceeds the actual value of the vehicle. This coverage ensures financial protection if your car is stolen or declared a total loss.If you often rent or borrow vehicles instead of owning or leasing one,
non-owner car insurance
is highly recommended. This type of insurance provides liability coverage for bodily injury and property damage in the event of an at-fault accident. (Keep in mind it does not cover damages to the vehicle you are driving or expenses related to your personal injuries.)How Do Different Factors Impact Your Car Insurance Costs in Minnesota?
How Do Different Factors Impact Your Car Insurance Costs in Minnesota?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, marital status, insurance history
Prohibited (or effectively prohibited): Employment status, zip code
Learn more abut the car insurance rating factors in Minnesota:
Cheapest Minnesota car insurance after a driving violation
Your driving history is a crucial factor in determining the quotes for your auto insurance. If insurance companies notice a history of violations, they perceive you as a higher risk driver, and you’ll be charged higher insurance premiums.
Cheapest car insurance for Minnesota drivers with a speeding ticket
The law generally classifies speeding violations in terms of various levels depending on how much the speed limit was surpassed. Levels generally include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH. Anything over 30 MPH over the limit is automatically considered
reckless driving in Minnesota
.Although a speeding ticket is likely to increase your insurance premiums, Jerry is a great tool for keeping costs as low as possible.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $180 | Hannah, 22 Woodbury, MN | • 100,000/300,000 Liability |
Speeding 11-15 | Bristol West | $276 | Elijah, 38 Lake Elmo, MN | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Progressive | $282 | Jerry, 28 East Bethel, MN | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 8, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco has provided great service as my current carrier.
Marcus
How to find cheap Minnesota auto insurance after a DUI
DUI violations in Minnesota
typically lead to a more substantial increase in car insurance rates compared to other violations. It is often necessary to compare rates from multiple insurers in order to find the most affordable options after a DUI, and Jerry can make hunting for the cheapest provider much simpler.
Lucy (32 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Kenyon, MN$274
per month
Margaret (54 years old)
$71
per month
Minnie (41 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$173
per month
Henrietta (34 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Rochester, MN$325
per month
Allen (42 years old)
$112
per month
Minnesota SR-22 insurance
Minnesota does not require an
SR-22 form
to reinstate your driver’s license after a major driving violation. Instead, following a conviction for a significant driving violation, you will be required to submit proof of insurance—specifically an Insurance Certification Form—to the Minnesota Department of Public Safety in order to have your driver's license reinstated.Keep in mind that if you’ve been deemed a high-risk driver, your car insurance premiums will inevitably rise—but that doesn’t mean your insurance costs need to be entirely unaffordable.
Cheapest Minnesota auto Insurance after an at-fault accident
Your car insurance rates are significantly influenced by your car accident or claim history.
Insurance companies carefully review your past at-fault accidents to assess the level of risk you represent as an insured individual. If you have recently been involved in an at-fault accident, it is possible for your car insurance rates to experience a substantial increase.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $111 | William, 34 Golden Valley, MN | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $259 | Landon, 34 | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Allstate | $147 | Dorothy, 25 | • 50,000/100,000 Liability |
At Fault With No Injury | Safeco | $88 | Birdie, 32 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Bristol West | $326 | Millie, 31 Isanti, MN | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 4, 2024FAQs
Is Massachusetts an at-fault state?
No,
Massachusetts car accident laws
designate it as a no-fault state, meaning regardless of who’s at fault for an accident, your PIP insurance will cover the expenses for anyone in your vehicle. No-fault laws in Massachusetts limit a driver's right to sue after an accident—they can only sue for their injuries if their medical expenses exceed $2,000 or if they sustained permanent disfigurement, bone fractures, or loss of hearing or sight.The bottom line: PIP is required as part of Massachusetts's state minimum insurance requirements to protect you financially if you’re involved in an accident.
Cheapest auto insurance after other violations in Minnesota
In addition to speeding tickets and DUIs, other infractions such as careless driving and driving with a suspended license can also lead to higher car insurance expenses in Minnesota.
We’ve helped drivers discover ways to save on their car insurance, even if they have offenses on their Minnesota driving record.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $115 | Roy, 61 Erhard, MN | Ford Bronco Sport Heritage | • 100,000/300,000 Liability • Comp / Collision |
Cell Phone | Bristol West | $208 | Chad, 25 | Toyota Camry LE | • State Minimum Liability |
Defective Equipment | Nationwide | $190 | Christian, 36 Brownton, MN | Ford Fusion SE Hybrid | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | Safeco | $92 | Jordan, 36 | Mazda CX-5 Sport | • 100,000/300,000 Liability • Comp / Collision |
DUI | Travelers | $93 | Vincent, 31 Goodhue, MN | Jeep Cherokee Limited | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | Mercury | $132 | Maria, 40 | Chevrolet Trax 1LT | • State Minimum Liability • Comp / Collision |
Illegal Turn | Nationwide | $142 | Howard, 40 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
Improper Passing | Progressive | $160 | Edna, 27 | Jeep Renegade Latitude | • 100,000/300,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Progressive | $87 | Irene, 27 Marshall, MN | Chevrolet Impala LT | • State Minimum Liability |
Open Container | Bristol West | $363 | Benjamin, 39 Motley, MN | Chevrolet Trailblazer Activ | • 50,000/100,000 Liability • Comp / Collision |
Passing School Bus | Progressive | $106 | Randall, 31 Hendricks, MN | Buick Lacrosse Premium | • 100,000/300,000 Liability |
Speeding 16-20 | State Auto | $374 | Eugenia, 49 Saint Louis Park, MN | Ford Fusion SE | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Mercury | $129 | Dale, 28 | Nissan Rogue S | • 100,000/300,000 Liability • Comp / Collision |
Suspension | National General | $167 | Ricky, 36 | Chevrolet Traverse LTZ | • State Minimum Liability |
Vehicle Theft | Progressive | $171 | Joel, 45 | Mazda 5 | • State Minimum Liability |
Other Minor | Travelers | $135 | Jeremiah, 41 | Mitsubishi Outlander ES | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 10, 2024Cheapest Minnesota auto insurance based on insurance history
Your insurance history is a significant factor in determining your car insurance rates, especially in terms of whether you currently have coverage or not.
Typically, having a
gap in your insurance coverage
leads to higher insurance rates. To support our customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if they have fallen behind on their payments.We have effectively assisted many customers who are currently uninsured or have experienced coverage lapses in finding opportunities to save on a new policy.
Floyd (24 years old)
$252
per month
Bessie (54 years old)
$84
per month
Eric (23 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$136
per month
Hunter (65 years old)
$93
per month
Clearcover
Myrtie (28 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$162
per month
Cheapest car insurance for drivers with poor credit
In Minnesota, individuals with lower credit scores often face higher insurance costs compared to those with higher credit ratings, even though credit scores do not directly indicate driving proficiency. Insurance companies have observed a relationship between low credit scores and an increased frequency of filed claims by drivers.
Based on our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $85 | Callie, 36 Marshall, MN | Volkswagen Jetta | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Safeco | $145 | Effie, 30 | Toyota Prius | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Travelers | $116 | Eugene, 34 | Jeep Grand Cherokee Overland | • State Minimum Liability • Comp / Collision |
< 550 | Safeco | $257 | Amanda, 43 | RAM 1500 Classic SLT | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 6, 2024Cheapest Minnesota car insurance by age
Due to their limited driving experience,
insurance rates for young drivers
are often significantly high. However, as individuals reach the age of 25, their insurance rates generally start to decrease. Once individuals reach the age of 75, car insurance costs tend to rise again.Cheapest Minnesota car insurance for young drivers
In Minnesota, the age group of 16 to 19 typically faces the highest insurance rates compared to other age groups.
For teen drivers who own newer vehicles, it is advisable to consider opting for full coverage insurance. This recommendation is made due to the higher likelihood of teenagers being involved in accidents when compared to other age groups. Full coverage insurance provides enhanced financial protection in such situations.
Alberta (21 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$195
per month
Adam (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Mitsubishi Lancer SE$228
per month
Jerome (21 years old)
$251
per month
Eva (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$309
per month
Rosetta (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$322
per month
Cheapest Minnesota car insurance for senior drivers
Typically, we see higher
car insurance rates for seniors
in their mid-70s and older. Older drivers have a heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision. Consequently, insurance providers face substantial medical expenses and higher costs, resulting in elevated car insurance rates. Lewis (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
New Prague, MN$185
per month
Jerome (81 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$131
per month
Garrett (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$115
per month
Clyde (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
GMC Acadia SLE$201
per month
Emily (67 years old)
$67
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
How to find car insurance discounts in Minnesota for your motor vehicle
Your choice of vehicle has a significant impact on your car insurance premiums. Several factors associated with the type of car affect insurance costs, including repair or replacement costs, the likelihood of theft, and the overall safety performance of the vehicle.
Popular makes and models in Minnesota include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic LX | Progressive | $230 | Martin, 26 | • 50,000/100,000 Liability • Comp / Collision |
| Ford Bronco Sport BIG Bend | Bristol West | $84 | Isaac, 54 Saint Bonifacius, MN | • State Minimum Liability |
| Toyota Corolla L | Nationwide | $172 | Alan, 28 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 9, 2024Is it cheaper to insure a new car or a used car?
In general, the cost of insuring a new car is usually higher compared to an older car. According to our findings, the average annual cost of full coverage insurance for a car that is over 10 years old in Minnesota is approximately 22% less than the average cost of insuring a vehicle that is less than 4 years old.
Christian (36 years old)
$94
per month
Martin (48 years old)
2001 Buick Lesabre Custom
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$68
per month
Dale (33 years old)
$156
per month
Essie (52 years old)
$105
per month
Marian (59 years old)
$66
per month
How to find cheap car insurance in Minnesota in your city
When determining your car insurance annual premium, insurance companies take into account several factors, including the location where you keep your vehicle.
Insurance costs can vary depending on population density, accident rates, crime statistics, and weather conditions. Even within the same city, insurance premiums can differ among different zip codes.
Discover how Jerry Insurance Agency has supported drivers in different cities across Minnesota in fulfilling their insurance needs.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Anoka, MN | Cecelia, 28 | Progressive | $164 | Chevrolet Trax LS | • State Minimum Liability |
| Minneapolis, MN | Jeffery, 24 | Allstate | $228 | Mitsubishi Lancer SE | • 50,000/100,000 Liability • Comp / Collision |
| Maple Grove, MN | Landon, 35 | Travelers | $259 | Chevrolet Traverse Premier | • 100,000/300,000 Liability • Comp / Collision |
| Prior Lake, MN | Sean, 27 | Safeco | $81 | Jeep Grand Cherokee Laredo | • State Minimum Liability |
| Lakeville, MN | Margaret, 28 | AAA | $92 | Nissan Versa S | • 25,000/50,000 Liability |
| Hutchinson, MN | Oscar, 55 | National General | $135 | Ford F150 | • 50,000/100,000 Liability • Comp / Collision |
| Minneapolis, MN | Fanny, 33 | Bristol West | $115 | KIA Sorento | • State Minimum Liability |
| Saint Paul, MN | Maude, 29 | Gainsco | $87 | Nissan Rogue S | • 25,000/50,000 Liability |
| Minneapolis, MN | Blanche, 25 | Plymouth Rock | $187 | Ford Fusion SE | • 15,000/30,000 Liability |
| Shakopee, MN | Myra, 28 | Clearcover | $107 | Honda Civic Touring | • 100,000/300,000 Liability • Comp / Collision |
| Shakopee, MN | May, 41 | State Auto | $73 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability |
| Eden Prairie, MN | Olivia, 48 | The General | $116 | Acura MDX A-Spec | • State Minimum Liability |
| Saint Paul, MN | Ella, 25 | Anchor General | $103 | KIA Optima LX | • 15,000/30,000 Liability |
| Minneapolis, MN | Fanny, 31 | Dairyland | $304 | KIA Forte LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 10, 2024How to lower the cost of car insurance in Minnesota
Jerry's team of licensed insurance agents offers valuable suggestions to help lower your car insurance expenses. Here are some common strategies they recommend:
- Compare quotes from multiple insurance providers to find the best prices.
- Bundle your car insurance with homeowners insurance to take advantage of a discount.
- Explore potential discounts for which you may be eligible, such as good student discounts, good driver discounts, low mileage discounts, and discounts for anti-theft devices or vehicle adaptations.
- Consider increasing your deductible for comprehensive and collision coverage.
- Work on improving your credit score, as it can have a positive impact on your insurance premiums.
- Enroll in a defensive driving course, which can lead to lower insurance rates.
- Evaluate the need for collision and comprehensive coverage for older vehicles.
By implementing these strategies, you could potentially save several hundred dollars per year on your car insurance costs.
Why is car insurance so expensive in Minnesota?
Are you noticing that your Minnesota car insurance rates seem a bit high? Here are some potential explanations:
- Dense cities: If you live in a major city like Minneapolis, you likely suffer from more traffic congestion and a higher probability of accidents. This typically results in increased insurance premiums.
- Uninsured drivers: If there are a lot of uninsured (or underinsured) drivers in your area, your insurance rates will likely reflect the increased risk.
- Pricey healthcare: What does the cost of Minnesota medical care have to do with car insurance? Well, medical expenses associated with accidents and injuries are factored into coverage auto coverage costs.
- Rate of car thefts: Regions with an increased incidence of car thefts can lead to steeper insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: Minnesota is subject to a diverse variety of natural disasters, from blizzards, to wildfires, to tornadoes—all of which can cause expensive damages to your vehicle.
Considering these factors, it is not uncommon for car insurance in Minnesota to be relatively expensive compared to other regions.
FAQs
How much is car insurance in Minnesota?
Insurance rates vary for each individual depending on multiple factors considered by insurance companies when determining pricing. We highly recommend exploring and comparing insurance rates from different providers. By taking the time to shop around and compare quotes, you can find insurance coverage that aligns with your specific needs at a reasonable price.
What is the average cost of car insurance In Minnesota?
In Minnesota, the average annual cost of car insurance is $537 (or about $45 a month) for minimum coverage and $1,643 per year (or about $137 per month) for full coverage insurance.
Who has the best cheap car insurance in Minnesota?
Jerry conducted the largest insurance shopping study in the industry—a survey of over 15,000 car insurance policyholders—and concluded that no single auto insurance provider offers the definitively cheapest rates for every driver.
This means you’ll have to shop around to find the cheapest rates for you—but don’t worry, a car insurance comparison app or website makes the process quick and easy!
What is the minimum car insurance required in Minnesota?
Before hitting the road, Minnesota residents need to secure an auto insurance policy with at least the following amounts of coverage:
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $40,000
- Uninsured motorist coverage: $25,000 per person and $50,000 per accident
- Underinsured motorist coverage: $25,000 per person and $50,000 per accident
Do you need insurance to register a car in Minnesota?
For every owner seeking to register, re-register, or transfer ownership of a motor vehicle or motorcycle/moped, it is mandatory to present proof of insurance. This proof of insurance should include the insurance company's name, the policy number, and the policy expiration date for the motor vehicle or motorcycle.
If you don’t already have a policy, you’ll need to
buy insurance before you purchase a car
in Minnesota.Can your car get towed for no insurance in Minnesota?
Yes—if you are pulled over by law enforcement and the officer discovers that you are not insured, they will very likely have the vehicle towed and impounded.
Does insurance follow the car or the driver in Minnesota?
In Minnesota,
car insurance typically remains with the car
rather than the driver. This applies to liability coverage, personal injury protection coverage, and coverage for uninsured and underinsured motorists.What does full coverage car insurance consist of in Minnesota?
In Minnesota, full coverage car insurance includes at least the minimum levels of liability coverage, comprehensive coverage, and collision insurance.
Can you have out of state car insurance in Minnesota?
Yes—as long as you’re just passing through. Your standard United States car insurance policy will generally cover you when you travel to all 50 states and Canada.
However, if you’re a resident of Minnesota, you’ll want to invest in a Minnesota car insurance policy to avoid significant issues. Exceptions to this rule include people who are residents of two states and military members who are temporarily stationed in Minnesota. If you’re unsure, consult your insurance provider to confirm that out-of-state insurance is legally permissible.
Is PIP required in Minnesota?
Yes—all Minnesota drivers must carry at least $40,000 in Personal Injury Protection (PIP).
Can you get car insurance without a license in Minnesota?
It may be possible to insure a car that you own even if you don’t have a license—you’ll need to exclude yourself as a driver on the policy and list the primary driver as the primary insured.
Can you have both PIP and MedPay in Minnesota?
Yes! Medical Payments (Med Pay) will cover the medical payments of you and your passengers in your vehicle if they are injured in a crash. You can absolutely “stack” this optional coverage with your mandatory PIP coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
Learn more
about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.